Ask Tim: My Mom Started “RMDs” at 64 and I Think Someone Screwed Up
Retirement planning would be simple if it were just math. But it rarely is. It’s life, family, timing, and emotion — all showing up in the same conversation. I’m Tim Lux, CFP®, CPFA® — VP, Financial Planning at Kingsview — and I lead our advanced planning team assisting advisors and their clients with their wealth management needs.
Market Flash: AI Capex Hangover, Calendar Chaos, and Japan’s “Takaichi Trade”
U.S. stocks spent much of the week stabilizing after last week’s tech/AI-driven hit. The rebound was real, but it also looked selective — technology shares did most of the heavy lifting, and “market breadth” didn’t exactly throw a parade. Analysts framed the move as bargain-hunting in technology following an AI-sparked selloff, with investors largely waiting […]
Market Flash: AI Shockwaves, Shutdown Static, and Groundhog Day Predictions
The Federal Reserve held rates steady at 3.50%–3.75% on January 28, with Chair Powell emphasizing institutional boundaries as the succession conversation intensified. Separately, markets have started to price a different policy mix under a potential Kevin Warsh-led Fed — a blend of rate cuts alongside faster balance-sheet shrinkage.
5 Ways to Rebuild Investor Confidence After a Major Market Decline
Market cycles are a natural part of the world. Stocks go up and investor confidence rises with it. And when stocks go down, that same confidence depletes. Ultimately, there’s very little you can do to control what happens with the world. It’s a mass force without reason — and is nearly impossible to predict (just ask […]
Market Flash: Mega-Cap Growth, EU-India, and Northeast Gets Pummeled with Snow
U.S. equities advanced over the period, though leadership remained concentrated. Roughly 65% of S&P 500 constituents finished higher, yet performance skewed heavily toward mega-cap growth and technology-linked names.
Probate 101: What It Is and How to Avoid It
Probate is the legal process of validating a will and distributing property after death. Courts supervise the procedure to ensure debts are settled, heirs are identified, and instructions in the will are carried out. If no will exists, state law decides how assets are divided. While probate provides order and oversight, it often creates delays […]
Market Flash: Davos Crew Not Happy with Trump
Trade tensions returned to center stage after President Trump threatened new tariffs on several European countries tied to negotiations over Greenland.
Market Flash: Inflation Stays Sticky, Oil Risk Returns, and the Fed’s Independence
Recent U.S. inflation data reinforced the message markets have been absorbing since late 2025: progress toward price stability continues, but unevenly. December CPI remained above the Federal Reserve’s 2% target, keeping attention on whether disinflation can persist without additional policy restraint. Growth indicators and labor data continue to suggest the economy is cooling gradually rather […]
How Much Should You Save by Retirement?
The question of how much money one should have saved by retirement has no universal answer. Rules of thumb can provide a rough benchmark, but they rarely account for differences in lifestyle expectations, geographic location, health, and the structure of household income.
Are Annuities Right for High-Net-Worth Investors? Myths and Realities
Annuities often divide opinion. Some advisors argue they are unnecessary for the wealthy, while others present them as a critical layer of security. For high-net-worth investors, the truth lies somewhere between these extremes. Annuities can provide valuable benefits, but only when integrated thoughtfully into a broader financial strategy.